Commercial property finance Leeds,Bradford,Hull,Newcastle

A1 provide commercial mortgages for business and investment purposes

Any commercial property loan or mortgage usually takes one of two forms, namely:

  1. Short term finance – usually described as a bridging loan and available up to 12 months (in most cases)
  2. Term loan – usually described as a commercial mortgage and available from 12 months up to 25 years

Some highlights of our property loans are:

  • Bridging loans up to 12 months with all interest and fees added to the loan (over and above the LTV)
  • Development finance up to 18 months, also with the interest rolled up for a maximum of 12 months
  • Lending amount can be based on the valuation, not the purchase price
  • Rates from 0.58% a month
  • No exit fees ever
  • On some bridging deals, we do not require a valuation
  • Up to 100% of the purchase price can be achieved as long as additional security is taken

Commercial Mortgages & Specialist Business Loans

On longer term commercial mortgages, we can lend on the following property types:

    • Shops
    • Shops With Flats
    • Factories
    • Warehouses
    • Offices
    • Pubs
    • B+B”s
    • Guesthouses
    • Hotels
    • Restaurants
    • Wine Bars
    • Farm Mortgage
    • Agricultural Land

With an unregulated bridging loan, trading accounts and income details are not usually required but on a term commercial mortgage, details of income and/or accounts will have to be offered. We can also look at adverse credit, particularly on short term deals.

Bridging and development finance interest rates and fees

Rate per month
Maximum LTV Arrangement Fee Maximum Loan Availability
0.56% 70% 1% £5m Nationwide
0.89% 70% 1.5% £15m Nationwide
1.25% 70% 1% £5m Nationwide
1.60% 85% 1% £2m North West
2.00% 90% (day 1 development only) 2% £500,000 Nationwide

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